FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2018060383401 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Kwasi Mensah Aggor, Respondent Former General Securities Representative CRD No. 4974222 Pursuant to FINRA Rule 9216 of FINRA’s Code of Procedure, Respondent Kwasi Mensah Aggor submits this Letter of Acceptance, Waiver and Consent (AWC) for the purpose of proposing a settlement of the alleged rule violations described below.

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2015044226501 TO: Department of Enforcement Financial Industry Regulatory Authority ("FINRA") RE: Morgan Stanley & Co. LLC, Respondent Broker-Dealer CRD No. 8209 Pursuant to FINRA Rule 9216 of FINRA's Code of Procedure, Morgan Stanley & Co. LLC (the "firm" or "Morgan Stanley") submits this Letter of Acceptance, Waiver and Consent ("AWC") for the purpose of proposing a settlement of the alleged rule violations described below.

FINANCIAL INDUSTRY REGULATORY AUTHORITY LETTER OF ACCEPTANCE, WAIVER AND CONSENT NO. 2019062357401 TO: Department of Enforcement Financial Industry Regulatory Authority (FINRA) RE: Gregory John Stouffer, Respondent Former General Securities Representative General Securities Principal, Municipal Securities Principal, and General Securities Sales Supervisor CRD No.